Ben Clarke | Profile

Profile

Join date: May 4, 2022

About

I left high school & college feeling that the U.S. education system left a gap. Like many, I felt that I had been ill-prepared for the part of adulthood around managing personal finances. So, I started Benjamins with Ben! Benjamins with Ben is meant to help people get access to the financial education they need to save with purpose, spend with purpose, reduce stress, and invest.

We'll aim to cover everything from generating a budget to how to (responsibly) use credit cards to automating investing; set it and forget it!

The end goal is to get personal finance in public high schools nationwide! Thanks for taking the time to support me and my 'Why'. - Ben :)

Overview

First Name

Ben

Last Name

Clarke

Posts (38)

Jan 13, 2026 ∙ 3 min

Pay off debt while saving and investing?

Not personalized financial advice - your money, your choice 46%. That’s how many Americans have some form of revolving credit card debt . It’s also the portion of Americans who will be diagnosed with some form of mental health condition in their lives - hopefully just a coincidence. Credit card debt can be especially tricky to pay off due to high interest rates. Debt like this tends to grow faster than mold fuzzes on fresh mozzarella - it accrues at an average of 22.28% . Galeries...

Jan 8, 2026 ∙ 2 min

How much to save for retirement?

Not personalized financial advice - your money, your choice $609,230. That’s the current average of how much people have saved for retirement by the time they are 65-74 . Ben 65-74 Generated by AI The median, however, looks more bleak with an amount of just $200,000. Many people never figure out how much they will need in retirement. Luckily, there is an easy way to work back into how much to save for retirement. The good thing is that we can work out how much to save for retirement based on...

Nov 21, 2025 ∙ 4 min

If You’re Only Maxing Your 401(k), You’re Likely Leaving Tens of Thousands on the Table.

Not personalized financial advice - your money, your choice. Ben leaving nothing on the table. $23,000 per year. This is the maximum amount most Americans think they can save pre-tax for tax year 2025. In reality, this isn’t even close. The truth is, there is no universal ceiling. Instead, different account types have their own limits — some limits stack, some share buckets, and some don’t overlap at all. This is why perfectly normal people (not ultra-rich loophole hunters) can legally...